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andrew123's Articles in Bankruptcy Show All|Display Category|Title|Newest|Oldest Individual Voluntary Arrangement: The Alternative to Bankruptcy Bankruptcy has been the answer to countless people’s financial difficulties for a number of years now. It has been listed that bankruptcy is in the top 5 life altering negative things one could go through. The alternative to this is called an Individual Voluntary Arrangement. An IVA is a legal agreement through the county court and the debtor to pay off debts over a predetermined time. The length of term is usually about 3 to 5 years with high monthly payments.

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